Lodi, NY
How exposed is Lodi to wildfire?
USFS scores Lodi at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 198 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lodi's burn probability — fire likelihood with no building count factored in — sits at the 13th percentile nationally.
Where Lodi's buildings actually sit
USFS classifies 71.7% of Lodi's buildings as Direct exposure, higher than its 28.3% Indirect share and far above its 0% Minimal share — a profile where 142 structures sit close enough to vegetation that lot clearing matters most.
Lodi against the rest of the country
Within New York, Lodi ranks higher (34th percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lodi ranks 27,075 for wildfire risk (1 is highest) and 24,930 by building count (1 is largest). Within New York alone, it ranks 854 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Lodi
Lodi's low rating (14th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Lodi (71.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lodi's figures come from
Every one of the two percentiles behind Lodi's 27,075-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lodi's dominant direct exposure actually means, with real examples from across the dataset.